So? It doesn't particularly matter _how_ taxes are collected. Just how much in total, and what you pay from that tax money. If I'm reading, that HOAs have to build their own roads, their own sewer system, power lines, etc. Then yeah.. that is a state responsibility here. That is done by a publicly accountable organisation, where you can, when you are angry with their performance, go to your elected officials and make them do something about it. Yes it's not as direct as being a customer, yes it's not as easy as you getting your own way on everything, but there is an established process for everything.

The typical argument on this site here is: Europe doesn't have a thriving tech center because of high taxes. The HOAs and stuff like that is a consequence of the different tax burden. So I guess your total taxability is lower than ours shrug